Estimates, not quotes

Lincoln MKX Insurance Cost in Washington, D.C.

Insuring a Lincoln MKX in Washington, D.C. costs about $1,750 a year ($146/month) for full coverage by our estimate — +25% versus the same car nationally — the 4th most expensive of 51 states for this model.

Lincoln MKX (photo from Wikimedia Commons)
Photo: Damian B Oh, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Lincoln MKX insurance in Washington, D.C. at a glance

Full coverage
$1,750
$1,435–$2,065
25/50/10 minimum
$690
$58/mo
Same car nationally
$1,395
full coverage
Avg. car in DC
$2,005
−13% for the MKX

The Lincoln MKX is 13% cheaper than the average vehicle to insure in Washington, D.C.. Washington, D.C.'s own base rates are 31% higher than the national average, which carries through to every model.

Washington, D.C. factors that affect MKX premiums

  • Uninsured drivers: 23.1% of Washington, D.C. drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your MKX.
  • Theft: 674 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington, D.C.'s expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.33 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington, D.C. →

Lincoln MKX insurance cost in Washington, D.C. cities

CityFull coverageMinimumvs. state
Washington$1,750$6900%

Lincoln MKX insurance in Washington, D.C. by driver

Estimated annual Lincoln MKX premium in Washington, D.C.
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,900 $2,755 $4,815 $401
Young adult (22) $1,105 $1,605 $2,800 $233
Adult in their 30s $690 $1,000 $1,750 $146
Adult in their 50s $635 $920 $1,610 $134
Senior (72) $775 $1,120 $1,960 $163
30s, one at-fault accident $1,000 $1,455 $2,540 $212
30s, DUI on record $1,280 $1,855 $3,240 $270

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $690 $58 $565–$815
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,000 $84 $820–$1,185
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,750 $146 $1,435–$2,065

Washington, D.C. minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington, D.C.

ModelFull coverage in DCvs. MKX
Infiniti QX30$2,290+31%
Infiniti FX37$2,290+31%
Infiniti FX35$2,290+31%
BMW X3$2,030+16%

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Lincoln MKX insurance cost in every state · All Lincoln models

Frequently asked questions

How much is Lincoln MKX insurance in Washington, D.C.?

About $1,750 a year ($146 a month) for full coverage and $690 for Washington, D.C.'s minimum liability, for a driver in their 30s with a clean record. That is 25% more than the national estimate for the same car.

Is the Lincoln MKX cheaper to insure than the average car in Washington, D.C.?

The average vehicle in Washington, D.C. is about $2,005 a year for full coverage in our model, so the Lincoln MKX is 13% cheaper than average.

Where in Washington, D.C. is Lincoln MKX insurance cheapest?

Among the largest Washington, D.C. cities, Washington has the lowest estimate (about $1,750) and Washington the highest (about $1,750).

What insurance do I need for a Lincoln MKX in Washington, D.C.?

Washington, D.C. requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page